SECURE 2.0 Tax Credit Recovery

Your 401(k) Plan Has
Unclaimed Tax Credits.

Congress created three new tax credits for small employers with retirement plans. Almost no one is claiming them. We find the credits, calculate the amounts, prepare the IRS filings, and deliver a signature-ready package — so you don't have to.

$6.3B
in recoverable credits across
204,113 eligible plans nationwide
94.5%
Never Claim Their Credits
$31,000*
Avg. Credit Per Plan · Over 5 Years
5 Years
Of Recoverable Credits
*Average total credits over the full 5-year credit window across 204,113 eligible plans identified from DOL Form 5500 filings. Includes prior-year credits recoverable via amended returns and future-year credits through the end of eligibility. Actual amounts vary by plan size and contribution levels.
The Problem
Why $6.3 Billion in Credits
Go Unclaimed

Three forces have created a perfect storm where legitimate tax credits simply don't get filed. The math is complex, the ownership is unclear, and the credits quietly expire.

1
⚙️
Your TPA Notified You.
Then Moved On.
Third Party Administrators sent notices years ago that these credits existed — but calculating and filing them? That's not their job. They pointed to your CPA and closed the loop.
Not their scope
2
📊
Your CPA Doesn't Have
the Depth.
SECURE 2.0 retirement plan credits require specialized knowledge of IRC §45E, §45T, and §45AA — with phase-out calculations and eligibility windows most CPA firms don't have the bandwidth to master.
Credits never filed
3
⏳
The Credits Are
Expiring.
These aren't permanent. The credit windows span specific tax years — and every year you don't file is a year of credits you lose forever. The clock is already running.
Time-sensitive
Georgetown University Center for Retirement Initiatives
Peer-reviewed research by Bloomfield et al. (2025) found that credit take-up ranges from just 1% to 5.5% of eligible employers — confirming that the vast majority of qualified plans never claim the SECURE 2.0 tax credits they're entitled to.
Read the Full Study
How It Works
Turnkey Credit Recovery.
You Sign. We Handle Everything.

Credit(k) manages the entire process from identification through filing. You receive a signature-ready IRS Form 8881 package — no spreadsheets, no back-and-forth, no guesswork.

1
We Identify
We've already analyzed your plan's eligibility using DOL Form 5500 filings. That's why you received our letter.
2
We Calculate
Our team applies the full credit methodology — startup credits, contribution credits, and auto-enrollment credits with all applicable phase-outs.
3
We Deliver
You receive a signature-ready IRS Form 8881 package to attach to your tax return. All 5 years of eligible credits, fully prepared.
🛡️
100% Money-Back Guarantee
If we can't deliver valid, signature-ready filing packages for the credits identified in your plan, you get a full refund of your contingency fee. We take the risk so you don't have to.
Engagement Terms
Simple. Transparent.
Aligned with Your Savings.

Our fee is a percentage of the credits we recover — paid upfront, backed by a full money-back guarantee. You engage us once for the entire credit window.

Contingency Fee
25%
Of total credits identified. Paid upfront — backed by our 100% money-back guarantee if we fail to deliver.
Engagement Period
Full 5 Years
One engagement covers all eligible tax years. We prepare filings for each year your plan qualifies.
What You Get
Signature-Ready 8881
Complete IRS Form 8881 package for each tax year — ready to attach to your return. Nothing left for you to calculate.
Your Net Savings
75% of Credits
On credits you didn't know existed and would never have filed. That's money that was leaving the table permanently.
Common Questions
What Plan Sponsors Ask Us
How do you know my plan is eligible?
We analyze DOL Form 5500 filings — the same public filings your plan already submits annually. Our proprietary data platform has indexed over 200,000 credit-eligible plans with employer details, contribution data, and eligibility windows. If you received our letter, your plan was flagged as eligible.
Can't my CPA just do this?
In theory, yes. In practice, fewer than 6% of eligible employers ever file. SECURE 2.0 retirement plan credits involve specialized calculations — startup cost credits, employer contribution credits, and auto-enrollment credits — each with unique phase-out rules and eligibility windows. Most CPA firms lack the specialized depth and time required to pursue these credits proactively. That's why over $6 billion in credits sits recoverable.
Why do I pay upfront if there's a guarantee?
The upfront fee funds the specialized work required — credit calculations, form preparation, and quality review for up to 5 years of filings. Our 100% money-back guarantee ensures that if we can't deliver valid filing packages, you get every dollar back. We only succeed when you do.
What are the three SECURE 2.0 credits?
The SECURE 2.0 Act expanded three credits filed on IRS Form 8881. The biggest is the Employer Contribution Credit — up to $1,000 per employee per year for 5 years. For a 50-employee company, that's up to $250,000 from that credit alone. Add the Plan Startup Credit (up to $5,000/yr for 3 years) and the Auto-Enrollment Credit ($500/yr for 3 years), and an eligible employer could recover up to $266,500 over the full credit window. Actual amounts depend on plan size, contributions, and eligibility.
What's the contingency fee model based on?
Contingency-based tax credit recovery is a well-established practice. Specialty firms have operated this way in the R&D tax credit space for decades. The AICPA Code of Professional Conduct and IRS Circular 230 provide the regulatory framework. We're applying a proven model to a new category of credits.
Your Credits Are Waiting.

We've already identified your plan. Let's recover what's yours — before the window closes.

Contact Credit(k)
25% contingency fee · 100% money-back guarantee · Full 5-year engagement
Signature-ready IRS Form 8881 packages delivered for each eligible tax year.